Calculator
Purchasing power calculator
“What can we actually offer?” is the question that matters at an open inspection. This tool combines your deposit, your estimated borrowing and a costs allowance into 1 realistic purchase budget.
Feed it well: get the borrowing side from the borrowing power calculator and sharpen the costs side with the SA stamp duty calculator. Building a portfolio instead? See investment property loans.
Indicative purchase budget in this scenario
$638,095
Allowing about $31,905 for stamp duty and purchase costs.
Not sure of your borrowing figure? Start with the borrowing power calculator, then confirm with a conversation: lenders assess differently.
Estimates for general guidance only. Not advice, not a quote and not a lending decision: lender assessment and your circumstances set the real numbers.
Purchase budget questions
Why is the budget less than deposit plus borrowing?
Because stamp duty, registration and conveyancing come out of the same pool. The calculator holds back your chosen costs percentage so the budget it shows is the price you can actually offer.
What percentage should I allow for costs?
It varies with price and circumstances; duty alone is the biggest piece and scales with the property value. Around 4% to 6% is a common planning allowance in SA, and the stamp duty calculator sharpens the estimate.
Where does the borrowing figure come from?
Start with our borrowing power calculator for a guide, then firm it up with a conversation: lenders assess income and expenses differently, and the differences are material.
Is this calculator advice?
No. It is arithmetic on your inputs for general guidance. Your actual budget depends on lender assessment and your circumstances.
Turn the estimate into a real number
A conversation converts calculator maths into a budget you can bid with confidence on.